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Isn't bad debt supposed to automatically fall off of your credit report after a certain amount of time? I have bad debt from 12 years ago that is still affecting my credit and credit score. I hope you can reply quickly. Thank you for your help!

Try a credit counseling agency in Hartford. They can offer information and advice on whether the payments come off, how to get back on track, and more. There are also legal resources too. Either way, look here. https://www.needhelppayingbills.com/htm ... tford.html